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Zopa: Credit card reviews

Name: Credit card
Rating: 4.93 (41971 reviews)

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4.93

Based on 41,971 reviews, last reviewed 15th Feb 2026

166900% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Excellent service and best interest rates compare to... Excellent service and best interest rates compare to other bank. Helpful customer support team. Keep it up. Reviewed on: 15th February 2026

Latest lowest rating:

1

My credit card has been frozen due to suspicious act... My credit card has been frozen due to suspicious activity, I've checked my statement and nothing looks off, tried to get hold of Zopa all weekend with... Read more Reviewed on: 13th October 2025

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About this product

Zopa is an award-winning credit card provider.

You can apply for a Zopa credit card online and manage your account in the Zopa app. You’ll get instant payment notifications and the Credit Cushion feature lets you set aside some of your available credit card balance.

Zopa credit card reviews help you find out what it’s really like to be a customer. If you’ve used Zopa before, you can also leave a review and share your experience.

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Awards

What is this award?

Best credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (41971)

Straight forward

Excellent service, with clear information and advice Reviewed on: 26th January 2022

Excellent product

Great service and good information Reviewed on: 26th January 2022

Simply easy

Good app easy to use and most of all fair Reviewed on: 26th January 2022

Excellent service

I have had a credit card with Zopa and I can say hand on heart Zopa are fantastic, customer service is excellent their % rates are reasonable and on par with other banks, and in some cases cheaper than other banks. I would recommend Zopa to everyone. Reviewed on: 26th January 2022

Simply the best

Was able monitor my spending & payments accordingly Reviewed on: 26th January 2022

Hassle free

This is my first card in years, hadn’t needed a credit card but decided to get it for emergencies. The entire process was easy to understand and the credit limit is perfect. The option to reduce it makes it easy to control how you use it. Reviewed on: 26th January 2022

Very helpful

Easy to use and good for building credit aswell as giving a mini credit report very useful Reviewed on: 26th January 2022

Best credit card

Honestly this has been the best credit card I have ever had, best interest fees Reviewed on: 26th January 2022

Easy to use app

Easy to use and updates straight away with a bank transfer. Reviewed on: 26th January 2022

Satisfaction

Generally a good way to build your credit and trust with Lenders! Reviewed on: 26th January 2022

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